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You have earned a Gold Star opportunity
QTCU believes in rewarding the commitment and involvement of our high value borrowers - with a gold star. Gold Star Premium is a series of financial benefits designed to help qualifying members save money on a range of everyday products like loans, investments, insurance and wealth management.
For an annual fee, Gold Star Premium borrowers can make the most of their membership and reap benefits worth thousands of dollars. It's our way of working in partnership with you from all angles, to help achieve your short and long-term financial goals.
All you need to join
- Combined property borrowings of $150,000 or more with QTCU
- Complete the application form that accompanies the Terms and Conditions
- Pay the annual membership fee of $395
Benefits at a glance
Great Rates
- $150,000 to $249,999^^ - 7.27%pa
- $250,000 to $499,999^^ - 7.07%pa
- $500,000 and over^^ - 6.97%pa
| Product | Benefits | Gold Star Premium Savings |
|---|---|---|
| Variable Rate Home Loan | A flexible home loan with the option of redraw, offset, top-up and split loan features. Offers you savings and versatility. |
|
| Home Loan Overdraft | A mortgage that is similar to a revolving line of credit, offering ultimate freedom in how and when you use your funds. Have your salary deposited direct and enjoy the simplicity of a savings, credit card and loan account rolled into one. | |
| Variable Rate Investment Home Loan | Build your portfolio with the power of this flexible investment tool. Use your equity in residential property to boost your borrowings. Flexible terms and features like offset, top-up and interest only can help you achieve your goals without penalties. | |
| Investment Home Loan Overdraft | A revolving line of credit, designed to give you flexibility in saving and spending while building wealth. | |
| Term Deposits | A wide range of terms and competitive rates for deposits of all sizes. Complements your investment portfolio with the security and liquidity of a cash investment. |
|
| Financial Planning | Keep your financial goals on track and plan for the future with advice from highly respected Financial Planners. Qualified to help you with a broad range of investing and financial strategies. |
|
| Insurance | A range of quality policy options for your protection, peace-of-mind and security. |
|
| Everyday Banking - Current Account | Enjoy easy, convenient day-to-day access to your finances. A wide range of access points including internet, phone, ATM and over-the-counter. | No account keeping fees - unlimited transactions |
^^Combined Property Borrowings. *Subject to the terms and conditions set out in the Gold Star Premium application form. Annual membership fee of $395 must be paid to qualify for discounted rates.
Who are Gold Star Premium borrowers?
Gold Star Premium has been created to suit borrowers with higher value loans. If your combined property borrowings with QTCU amount to $150,000 or more, you could be eligible to start saving today.
It is our pleasure to offer you Gold Star Premium's unique and prosperous partnership with your Credit Union. Whether you're borrowing for your own home, an investment property, or both, you'll benefit from lower rates and reduced fees as part of Gold Star Premium. The more substantial your borrowings, the more you can save.
Residential Property Loans
For your Home
On your standard variable home loan you receive a 0.7% p.a. discount where combined property borrowings are $500,000 or over, a discount of 0.6% p.a. where property borrowings are between $250,000-$499,999, or 0.4% p.a. for those between $150,000 $249,000.
Additionally, we will waive the normal establishment fee on any new borrowing and any account service fees.
By choosing a standard variable loan you also have access to the most comprehensive range of flexible features available from QTCU, including redraw, mortgage breaker (offset) and split loans. Alternatively, a home loan overdraft can offer you complete convenience similar to a revolving line of credit.
Talk to us about the most suitable loan and features for your short and long-term goals.
For an Investment
Our investment loans are designed to help you create wealth. Choose from offset, top up, interest only and split loan options with our standard variable investment loan, or the freedom and convenience of an investment loan overdraft.
This is further enhanced with Gold Star Premium savings on interest rates and fees. A discount rate of 0.7% p.a. applies where combined property borrowings are valued at $500,000 or more, 0.6% p.a. for those between $250,000-$499,999, or 0.4% p.a. for those between $150,000 - $249,000. Establishment fees and account service fees are waived as part of the package.
Wealth Creation
Term Deposits#
Gold Star Premium also caters for other types of investment strategies, including much of our extensive Term Deposit product range.
By securing your funds in a Term Deposit you can earn an extra 0.15% p.a. on top of the standard interest rate when you invest a minimum $5,000 for 6 months or more. Or, if you are making a more substantial Term Deposit investment of over $100,000, even better interest rate advantages may apply. Ask us and watch your investment grow!
Financial Planning**
Gold Star Premium is designed to assist you with all aspects of your financial life. To keep your plans well and truly on track, we suggest you speak with our highly respected Financial Planners. They are fully qualified to advise you on investing, superannuation, salary packaging, retirement planning and personal insurance.
As a QTCU member you're already entitled to a free initial consultation with a QTCU Financial Planner. When you join the Gold Star Premium program, you'll also receive a 20% discount off your financial plan preparation fee^.
If we haven't answered all your questions on this website, please contact us so one of our friendly consultants can help you out.
Simply call us on 13 29 30 between 8.30am-6.00pm Monday to Friday, pop into one of our branches, or take an easy next step by completing a quick form and have us call you back.
*0.7% discount off standard variable rate on combined home loans over $500,000 for Gold Star Premium members. QTCU’s lending policies, conditions, fees and charges apply. Annual package fee applies. Full details of the terms and conditions are available on application. Deposit products are issued by Queensland Teachers’ Credit Union. Obtain a Product Disclosure Statement (PDS) from QTCU and consider whether the products are appropriate for you.
#A Product Disclosure Statement (PDS) is available for this product and you should read the PDS before making any decisions about the product. As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances.
**QTCU Financial Planning Pty Ltd ABN 35 116 361 650 is a Corporate Authorised Representative (ASIC No. 293929) of Outlook Financial Solutions Pty Ltd, ABN 40 083 233 925, AFSL 240959, 70 - 76 Yarra Street Heidelberg VIC 3084.
^All advice must be documented in a Statement of Advice and fees apply for this service.